When an LIC policyholder passes away, the nominee must file a death claim to receive the death benefit. This is separate from maturity claims and requires specific documents. Here is a clear, step-by-step guide.

Immediate Steps After a Policyholder's Death

  1. ▸Do not delay. LIC requires death claims to be filed within 90 days of death. While LIC does accept later claims with justification, early filing is smoother.
  2. ▸Locate all policy documents. Check physical files, email inbox (for e-policies), and the LIC portal.
  3. ▸Inform the agent or branch. Your agent (like Ajay sir at 9415313434) will guide you through the entire process - this is part of the service.

Documents Required for Death Claim

  1. ▸Duly filled Claim Form No. 3783 (available from LIC branch or portal)
  2. ▸Original Policy Bond (the physical policy document)
  3. ▸Death Certificate (original + 2 attested copies - issued by municipal authority)
  4. ▸NEFT Mandate Form with nominee's bank details (for payment)
  5. ▸Cancelled cheque of nominee's bank account
  6. ▸Nominee's ID Proof (Aadhaar, PAN, voter ID)
  7. ▸Nominee's Address Proof

Additional documents for accidental death:

  • ▸FIR copy
  • ▸Post-mortem report
  • ▸Police inquest report

For death due to illness:

  • ▸Medical records, hospital discharge summary
  • ▸Cause of death certificate from attending doctor

Filing the Claim

Step 1: Visit the LIC branch where the policy is serviced (usually the city where it was issued)

Step 2: Submit all documents at the Claims Department counter. Get an acknowledgment receipt.

Step 3: LIC processes the claim - typically 30 working days for straightforward cases.

Step 4: Payment credited to nominee's bank account via NEFT.

What If the Nominee is a Minor?

If the nominee is a child below 18, LIC pays the death benefit to the appointed person (usually the other parent, as mentioned in the policy). The minor receives the amount on turning 18.

Succession Certificate (When No Nomination Was Made)

If the policyholder died without naming a nominee, the legal heirs must obtain a Succession Certificate from a civil court. This is time-consuming (6 months to 1 year). Always ensure your LIC policies have a valid nomination.

For claim assistance anywhere in Gorakhpur, UP, or eastern India, call Ajay Kumar Poddar at 9415313434. Claim settlement guidance is provided at no extra charge.